我国商业银行中间业务创新研究
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摘要
在经济自由化以及金融脱媒背景下,西方商业银行逐渐转移业务重心,大力发展中间业务成为西方商业银行业务发展的主要趋势。进入20世纪80年代以来,国际商业银行中间业务迅猛发展,经营种类繁多,经营范围广泛,业务规模日趋扩大,非利息收入持续增长。据统计,西方商业银行已开发的中间业务产品多达2万余种,几乎涵盖了传统银行业务、信托业务、投行业务、共同基金业务和保险业务等。目前,我国商业银行在中间业务开展方面发展较慢,中间业务品种较少,技术含量低,中间业务收入占比不高,这极大制约了我国商业银行的持续稳定发展。因而,加快中间业务创新,提高中间业务发展水平,是我国商业银行未来发展中的重要任务。
论文采用对比、历史分析、演绎的方法进行研究,以产品营销的整个过程为主线,从产品、组织机构、营销、服务及风险管理等几个方面系统研究了我国商业银行中间业务创新现状,发现中间业务创新过程中存在中间业务种类较少、创新型产品缺乏、组织机构职能缺失、客户管理水平不足、风险防范能力较差等问题。针对我国商业银行中间业务存在的问题,文章认为分业经营、产权制度、利率管制、收费不规范、风险管理水平低是制约其发展的重要因素。接下来,文章介绍了西方商业银行中间业务创新现状及经验借鉴。通过对比分析,论文认为我国商业银行应当采取有效措施改善中间业务发展现状,加快相关问题的有效解决,实现中间业务的快速发展。具体措施包括：逐步加快混业经营步伐,实现利率的市场化；加强中间业务组织机构建设；完善中间业务产品定价管理；加快信息技术的运用；提高中间业务风险防范水平等。
In the context of Economic liberalization and financial disintermediation, Western Commercial Banks gradually shifted business focus, it is the main trend that the Western commercial banks focus their attentions on Intermediary Business. Since the 1980s, International Commercial Bank undergone the rapid development of intermediary business, the species was variety, the range was extensive, the scope of business increased day by day, Non-interest income grew fast. According to statistics, Western Commercial Bank has developed more than twenty thousand intermediate products, almost covered the traditional banking business, trust services, investment banking, mutual fund business and insurance, etc. At present, Chinese commercial banks developed slowly on Intermediary Business, the species was less variety, it was Low-tech, the income share of Intermediary Business is low, these greatly hampered the sustained and stable development of China's commercial banks. So, accelerate innovation of Intermediary Business, raise the development level of intermediary business, was an important task for future development of China's Commercial Bank.
This paper used the methods of contrast, historical analysis and interpretation to study, used the whole process of product marketing as the main line, studied the Innovation Situation of Chinese commercial banks'Intermediate Business systematic, from the product, organization, marketing, service and risk management aspects, we found that there were many problems in the innovation of the Intermediary Business, such as the type of Intermediary Business was low, lack of innovative products, lack of organizational functions, customer management deficiencies, poor risk prevention capability. In view of the intermediary business's problems, this article maintains that separate management, property system, interest rate control, charging non-standard, low level of risk management were important factors that limited the development of Intermediary Business. For this reason, Chinese commercial banks should take effective measures to improve the status of intermediary business's development, found effective solutions to speed up related issues, to achieve the rapid development of Intermediary Business. The Specific measures included:accelerating the pace of Integrated Management, to achieve the rates changed with the market; strengthen the building of Intermediary Business organizations; improve the price management of Intermediary Business; speed up the use of information technology; improved the risk prevention level of Intermediate Business
论文采用对比、历史分析、演绎的方法进行研究,以产品营销的整个过程为主线,从产品、组织机构、营销、服务及风险管理等几个方面系统研究了我国商业银行中间业务创新现状,发现中间业务创新过程中存在中间业务种类较少、创新型产品缺乏、组织机构职能缺失、客户管理水平不足、风险防范能力较差等问题。针对我国商业银行中间业务存在的问题,文章认为分业经营、产权制度、利率管制、收费不规范、风险管理水平低是制约其发展的重要因素。接下来,文章介绍了西方商业银行中间业务创新现状及经验借鉴。通过对比分析,论文认为我国商业银行应当采取有效措施改善中间业务发展现状,加快相关问题的有效解决,实现中间业务的快速发展。具体措施包括：逐步加快混业经营步伐,实现利率的市场化；加强中间业务组织机构建设；完善中间业务产品定价管理；加快信息技术的运用；提高中间业务风险防范水平等。
In the context of Economic liberalization and financial disintermediation, Western Commercial Banks gradually shifted business focus, it is the main trend that the Western commercial banks focus their attentions on Intermediary Business. Since the 1980s, International Commercial Bank undergone the rapid development of intermediary business, the species was variety, the range was extensive, the scope of business increased day by day, Non-interest income grew fast. According to statistics, Western Commercial Bank has developed more than twenty thousand intermediate products, almost covered the traditional banking business, trust services, investment banking, mutual fund business and insurance, etc. At present, Chinese commercial banks developed slowly on Intermediary Business, the species was less variety, it was Low-tech, the income share of Intermediary Business is low, these greatly hampered the sustained and stable development of China's commercial banks. So, accelerate innovation of Intermediary Business, raise the development level of intermediary business, was an important task for future development of China's Commercial Bank.
This paper used the methods of contrast, historical analysis and interpretation to study, used the whole process of product marketing as the main line, studied the Innovation Situation of Chinese commercial banks'Intermediate Business systematic, from the product, organization, marketing, service and risk management aspects, we found that there were many problems in the innovation of the Intermediary Business, such as the type of Intermediary Business was low, lack of innovative products, lack of organizational functions, customer management deficiencies, poor risk prevention capability. In view of the intermediary business's problems, this article maintains that separate management, property system, interest rate control, charging non-standard, low level of risk management were important factors that limited the development of Intermediary Business. For this reason, Chinese commercial banks should take effective measures to improve the status of intermediary business's development, found effective solutions to speed up related issues, to achieve the rapid development of Intermediary Business. The Specific measures included:accelerating the pace of Integrated Management, to achieve the rates changed with the market; strengthen the building of Intermediary Business organizations; improve the price management of Intermediary Business; speed up the use of information technology; improved the risk prevention level of Intermediate Business
引文
①Clark.J.A,1988,"Economies of scale and scope at deposit institutions:A review of the literature", Federal Reserve Bank of Kansas City. Economic review73,16-33
②Berger,A.N.,1991,"The dominance of inefficiencies over scale and product mix economies in banking", Journal of Money Economics 28,117-148
③Allen L, and A.Rai,1996,"Operational efficiency in banking:An international comparison", Journal of Bankingg&Finance20,655-672.
④aura Cavallo and Rossi,S.P.S.,2001,"Scale and scope economics in the European banking systems", Journal of Multinational Financial Management11,515-531.
⑤McKillop D.G, J. C. Glass and Y. Morikawa,1996,"The Composite Cost Function and Efficiency in Giant Japanese Banks",Journal of Banking and Finance.20,1651-1671.
⑥Pulley, L. B. and Y. M. Braunstein 1992,"A Composite Cost Function for Multiproduct Firms with an Application to Economies of Scope in Banking," The Review of Economics and Statistics 74:2,221-230.
①Alhadeff D A. Monopoly and competition in commercial banking.Berkeley:University of California Press,1954.
②Rhoades, The Operating Performance of Acquired Firms in Banking Before and After Acquisition, Economic Studies,1986.
③Rhoades, Efficiency Effects of Horizontal Bank mergers, Journal of Banking and Finance, Vol.17,1993.
④Rhoades, Stephen A.,1998, " The Efficiency Effects of Bank Mergers:An Overview of Case Studies of Nine Mergers". Journal of Banking & Finance 22.
⑤Oral, M., and R. Yolalan.,1990, "An Empirical Study on Measuring Operating Efficiency and Profitability of Bank Branches,' European Journal of Operational Research,46, pp.282-294.
⑥莫仕军.商业银行中间业务定价方法探讨[J],广西金融研究,2008年第2期：50-52
⑦高健.商业银行中间业务产品定价方法的探讨[J],价格月刊,2009年第5期：32-34
①龙筱刚.商业银行中间业务定价的理性思考[J],金融论苑,2009年第6期：168-170
②任延.商业银行中间业务发展与经营策略[J],黑龙江金融,2009年第2期：23-25
③李继志.发展国有商业银行中间业务的思考[J],经济研究导刊,2009年第2期：57-60
④陈晓明.浅析商业银行中间业务风险及其防范[J],中国乡镇企业会计,2008年第1期：65-66
⑤苏薇.国有商业银行中间业务的风险与防范[J],青海师范大学学报,2008年第8期：14-19
⑥韩琳.商业银行中间业务风险防范分析[J],经营管理者,2009年第14期：65-66
①牟德士.商业银行中间业务收费的经济研究[J],科技创新导报,2008年第1期：129-130
②贾振涛.加强商业银行中间业务收费管理[J],合作经济与科技,2008年第3期：102-103
③余菊.商业银行中间业务收费问题的现状与思考[J],商场现代化,2008年第2期
①商业很行中间业务暂行规定(2001)
②巴塞尔银行监管委员会对中间业务的定义
①李涛：《商业银行监管的国际比较》,经济研究,2003(12)
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②Berger,A.N.,1991,"The dominance of inefficiencies over scale and product mix economies in banking", Journal of Money Economics 28,117-148
③Allen L, and A.Rai,1996,"Operational efficiency in banking:An international comparison", Journal of Bankingg&Finance20,655-672.
④aura Cavallo and Rossi,S.P.S.,2001,"Scale and scope economics in the European banking systems", Journal of Multinational Financial Management11,515-531.
⑤McKillop D.G, J. C. Glass and Y. Morikawa,1996,"The Composite Cost Function and Efficiency in Giant Japanese Banks",Journal of Banking and Finance.20,1651-1671.
⑥Pulley, L. B. and Y. M. Braunstein 1992,"A Composite Cost Function for Multiproduct Firms with an Application to Economies of Scope in Banking," The Review of Economics and Statistics 74:2,221-230.
①Alhadeff D A. Monopoly and competition in commercial banking.Berkeley:University of California Press,1954.
②Rhoades, The Operating Performance of Acquired Firms in Banking Before and After Acquisition, Economic Studies,1986.
③Rhoades, Efficiency Effects of Horizontal Bank mergers, Journal of Banking and Finance, Vol.17,1993.
④Rhoades, Stephen A.,1998, " The Efficiency Effects of Bank Mergers:An Overview of Case Studies of Nine Mergers". Journal of Banking & Finance 22.
⑤Oral, M., and R. Yolalan.,1990, "An Empirical Study on Measuring Operating Efficiency and Profitability of Bank Branches,' European Journal of Operational Research,46, pp.282-294.
⑥莫仕军.商业银行中间业务定价方法探讨[J],广西金融研究,2008年第2期：50-52
⑦高健.商业银行中间业务产品定价方法的探讨[J],价格月刊,2009年第5期：32-34
①龙筱刚.商业银行中间业务定价的理性思考[J],金融论苑,2009年第6期：168-170
②任延.商业银行中间业务发展与经营策略[J],黑龙江金融,2009年第2期：23-25
③李继志.发展国有商业银行中间业务的思考[J],经济研究导刊,2009年第2期：57-60
④陈晓明.浅析商业银行中间业务风险及其防范[J],中国乡镇企业会计,2008年第1期：65-66
⑤苏薇.国有商业银行中间业务的风险与防范[J],青海师范大学学报,2008年第8期：14-19
⑥韩琳.商业银行中间业务风险防范分析[J],经营管理者,2009年第14期：65-66
①牟德士.商业银行中间业务收费的经济研究[J],科技创新导报,2008年第1期：129-130
②贾振涛.加强商业银行中间业务收费管理[J],合作经济与科技,2008年第3期：102-103
③余菊.商业银行中间业务收费问题的现状与思考[J],商场现代化,2008年第2期
①商业很行中间业务暂行规定(2001)
②巴塞尔银行监管委员会对中间业务的定义
①李涛：《商业银行监管的国际比较》,经济研究,2003(12)
[1]刘忠燕.商业银行经营管理学案例[M].北京：中国金融出版社,2004：115-189
[2]余菊.商业银行中间业务收费问题的现状与思考[J].商场现代化,2008年第2期：56-98
[3]李继志.发展国有商业银行中间业务的思考[J].经济研究导刊,2009年第2期：57-60
[4]高健.商业银行中间业务产品定价方法的探讨[J].价格月刊,2009年第5期：32-34
[5]龙筱刚.商业银行中间业务定价的理性思考[J].金融论苑,2009年第6期：168-170
[6]葛敏.我过商业银行中间业务的发展与创新[J].科技创业月刊,2007年第11期：33-34
[7]邓勇.我国商业银行中间业务的创新发展探讨[J].企业家天地理论版,2008年第4期：38-39
[8]高伟强.创新性地推进中间业务发展[J].西部论丛,2007年第8期：66-67
[9]谭遥.我国商业银行中间业务分析和策略研究[J].学术论坛,2007年第6期：82-86
[10]任延.商业银行中间业务发展与经营策略[J].黑龙江金融,2009年第2期：23-25
[11]莫仕军.商业银行中间业务定价方法探讨[J].广西金融研究,2008年第2期：50-52
[12]张艳.银行中间业务收费应注意的问题及建议[J].特区经济,2007年第1期：74-75
[13]孙翊,孙云锦.从“跨行查询收费”看银行中间业务收费[J].观察与思考,2007年第2期：59-60
[14]周波.加强商业银行中间业务监管的几点思考[J].现代商业,2009年第8期：30-31
[15]韩琳.商业银行中间业务风险防范分析[J].经营管理者,2009年第14期：65-66
[16]苏薇.国有商业银行中间业务的风险与防范[J].青海师范大学学报,2008年第8期：14-19
[17]陈晓明.浅析商业银行中间业务风险及其防范[J].中国乡镇企业会计,2008年第1期：65-66
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